If you spend enough time online, you'd think the American Dream died somewhere between the 2008 financial crisis and your first student loan payment. Home prices are crushing, debt is suffocating, and the comment sections are filled with doom. But personal finance expert Dave Ramsey has a different take: stop whining and get to work.

"The American dream is not dead. Your life is not horrible," Ramsey said during a recent conversation with "Ramsey Show" personality George Kamel. "This is the best time in the history of man to be alive. There's more opportunity now. More chance to be somebody."

Ramsey's argument is that this era offers unprecedented opportunities to build wealth and change your financial trajectory. Success, he claims, is actually easier now than when he got started. He even joked about becoming a millionaire twice, explaining it took two attempts because he "was so dumb" the first time around.

The Real Problem Is In Your Head

According to Ramsey, the real crisis facing Americans isn't economic at all. It's psychological.

"People being hopeless for the wrong reasons," he said when asked what worries him about 2026. "There's no reason to be hopeless. There's always a way to take another step in the right direction. The American system is not devastatingly flawed to the point that the average person can't go and be somebody."

Yes, he acknowledges that the average income won't buy you the median-priced house in most markets. But in his view, that's nothing new. His prescription? Start small, choose affordable areas, and live below your means. Simple, but not easy.

Your Grandparents' House Wasn't That Great

On a recent episode of "The Ramsey Show," Ramsey took aim at a viral post romanticizing 1950s homeownership. The post painted a picture of a single-income Ford factory worker effortlessly affording a house, car, and stay-at-home spouse. Ramsey wasn't buying it.

"I'm looking at the house. It's clapboard. It's not got a brick on it. It's got one bath. No microwave. No pulsating showers or jacuzzis or skylights," he said. "You would not do this today if we offered it to you. You would say, 'Oh, the American Dream is broken. You want me to live in a tiny house?'"

His point is that people are comparing yesterday's starter homes to today's dream homes, and that disconnect is breeding unnecessary hopelessness. The standards have shifted, but we've forgotten to adjust our expectations accordingly.

New Tools for Building Wealth

For those willing to rethink traditional wealth-building strategies, modern platforms are offering alternatives. Take Fundrise, for example. The platform gives everyday investors access to private real estate and tech opportunities starting at just $10, providing options for people who feel priced out of conventional homeownership.

"In America today, you can just wake up and breathe and have a really good life," Ramsey told Kamel. "Just kind of coast through the whole stupid thing. But if you really want to win now, you're going to have some pain."

In Ramsey's worldview, winning requires effort, discomfort, and long-term discipline. That's not a bug in the system. That's the entire point. Success isn't supposed to be comfortable, but it's more accessible now than it's ever been if you're willing to put in the work and ignore the noise telling you it's impossible.